I think some of it is, not even being “tech illiterate”, but people are just tired and want to do other things. The average person is coming home from work already exhausted, needs to spend time with their partner or kids, take care of the house, etc etc. I don’t blame anyone for not wanting to tinker with setting up servers and learning to make websites and all the other stuff (I’m still learning it too). It’s a lot, especially if you don’t already have a solid foundation. Anything super complex that requires a lot of setup just isn’t accessible for most people. It’s not a lack of ability, but a lack of time and energy.
I do agree about the elitist attitude though. As much as tech people complain about non-tech people, we need them when we eat the food they grew, or they fix our car, or the plumbing in our house. Someone not caring enough to learn new skills because they’re good with the ones they already have is okay and it doesn’t make someone dumb. That’s why they just want to pay someone else to deal with it. I don’t understand how industrial agricultural machinary works but I still eat because there’s people who do. And that’s okay :)